RBP Level-Funded
Health Plans

A smarter way to fund healthcare. Fairos Level-Funded brings together Reference-Based Pricing, predictable monthly costs, stop-loss protection, and dedicated member support to help employers lower healthcare spending without sacrificing the member experience.

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Advantages of Level-Funding

PREDICTABLE, PROTECTED COSTS

One fixed monthly cost that combines admin, claims funding, and stop-loss. Specific and aggregate stop-loss cap your downside, so you know your worst case, not just your best guess.

SURPLUS RETURNS TO EMPLOYERS

Unused claims dollars return to you at the end of the year, not to a carrier’s profit line.

SMARTER PRICING, LOWER CLAIMS

Reference-Based Pricing prices claims off a defensible benchmark instead of an unknown network discount. Members pay less, too.

Pharmacy Control

Real drug costs are visible, with lower-cost programs such as international sourcing available to the plan and its members.

TAX ADVANTAGES & RECOVERIES

ERISA self-funded status removes state premium tax, mandates, and rate regulation, saving you money. Subrogation, COB, claims editing, and high-cost review recover dollars a fully insured carrier historically kept.

DATA TRANSPARENCY & RENEWAL ON YOUR TERMS

Access every claim to see the real cost drivers and bend the trend. Rated on your own experience, not a pool. A good year is a year you get rewarded for.

The Fairos Advantage

30%+

Savings vs. PPO Allowed Amounts

100%

Transparency Into Medical & Rx Claims Data

100%

Unused Claim Funds Returned to You

Simple

Choose From an Array of Medical Plan Designs

Leveraging relationships and knowledge to create:

Advocate for Life

Once your members connect with an advocate, they stay connected to that advocate for life.

Balance Bill Defense

From first notice to final resolution, Fairos owns the process. True advocacy, verified to zero balance.

Go Almost Anywhere

No narrow network. Broader provider access and lower out-of-pocket costs for your members.

Optimize Claims With OnPoint

With our fast, flexible platform built for precision and control.

Explore OnPoint

Take Control of Your Healthcare Costs

Contact The OccuNet Company

RBP Level-Funded Health Plans